also i think, you know, it takes away the claim that the federal government is u surping health care. states forfeited their option to do something. i also think we're going to have an interesting set of experiments. california, colorado, maryland and other states that are going to do this well will show the country. can you save money? can you improve health outcomes? can you give people options they like? i would look to those particular states because they are really working on developing an exchange, running it well, the case of colorado interestingly enough, it's pretty bipartisan. you have people who want to make it work on both sides of the aisle. these could shame other states to come in. i also think we should be honest. out of 2014, there may be some bumps in the road. but this is for the long haul. out of the gate, it may not be perfect. but lots of software is not perfect out of gate, but we use it and love it and it helps us. the same is going to be true here. it's going to help millions of people get better insurance products that are cheaper. >> thanks for coming in. >>